Call reports 2003
COMMUNITY BANK OF THE SOUTH — 2003
What COMMUNITY BANK OF THE SOUTH reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 136,951,000 | 147,175,000 | 166,729,000 | 174,584,000 |
| Total loans | 107,959,000 | 119,294,000 | 127,537,000 | 138,842,000 |
| Allowance for loan losses | 1,256,000 | 1,401,000 | 1,505,000 | 1,582,000 |
| Securities available for sale | 19,673,000 | 18,409,000 | 19,640,000 | 21,635,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 121,301,000 | 131,267,000 | 148,180,000 | 156,369,000 |
| Interest-bearing deposits | 108,243,000 | 117,290,000 | 130,643,000 | 140,230,000 |
| Noninterest-bearing deposits | 13,058,000 | 13,977,000 | 17,537,000 | 16,139,000 |
| Equity capital | 11,662,000 | 11,522,000 | 11,767,000 | 12,077,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,035,000 | 4,189,000 | 6,457,000 | 8,866,000 |
| Interest expense | 753,000 | 1,535,000 | 2,293,000 | 3,088,000 |
| Net interest income | 1,282,000 | 2,654,000 | 4,164,000 | 5,778,000 |
| Noninterest income | 89,000 | 181,000 | 276,000 | 379,000 |
| Noninterest expense | 911,000 | 1,852,000 | 2,856,000 | 4,023,000 |
| Provision for loan losses | 108,000 | 254,000 | 378,000 | 524,000 |
| Pretax income | 352,000 | 750,000 | 1,227,000 | 1,631,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 352,000 | 750,000 | 1,227,000 | 1,631,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,972,000 | 10,820,000 | 11,297,000 | 11,701,000 |
| Total capital | 12,228,000 | 12,221,000 | 15,302,000 | 15,783,000 |
| Risk-weighted assets | 118,904,000 | 128,839,000 | 138,641,000 | 148,494,000 |